Commercial Motor & Fleet
Utes, vans, trucks and fleets rated on how the vehicle is actually used — not a commuter assumption.
Commercial motor covers work vehicles and fleets for accident, theft, fire and third-party damage, rated on how the vehicle is actually used and what it carries. A private-car policy priced on a commuter assumption is the most common way a work vehicle ends up uninsured at the wrong moment — we place it as commercial from the start.
What it typically covers
- Accidental damage & collision
- Third-party property damage
- Fire & theft
- Fleet-rated cover (multiple vehicles)
- Windscreen & glass
- Towing & recovery
- Hired-in & substitute vehicles
- Goods & plant carried (add-on)
- Prime movers, trailers & rigid trucks
- Drivers not yet nominated (declared basis)
Who it's for
Trades with utes and vans, couriers and transport operators, businesses running a fleet, and anyone using a vehicle for work.
Claims examples
How the cover responds in real situations.
A work ute is rear-ended on a delivery run.
How the cover responds: Accidental damage repairs the ute, and we pursue recovery of the excess from the at-fault driver.
A van is stolen from a job site overnight.
How the cover responds: Theft cover settles the vehicle, and the equipment carried too where it's been declared.
A truck slides in the wet and damages a fence.
How the cover responds: Own damage repairs the truck and the third-party section covers the fence owner's loss.
What to watch
Business versus private use declared; the goods and plant carried actually covered; driver age and radius disclosed; and fleet schedules kept current as vehicles come and go.
How Stonewell places it
We rate it on real usage across a panel, structure fleet cover so it flexes as the fleet changes, and run the repair and recovery for you.
Ready to sort your cover?
Tell us how you operate and we'll place it across our panel — or if something has already gone wrong, lodge a claim and we'll take it from there.
Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.